Maaser and difficulties

Question

Last year I had to get a diagnostic test done for some health issues that came up that ended up costing close to 3k. Currently, I am a full time nursing student. Where my question is concerned is this: Where I live it is very difficult to find work that works with my schedule. I would work as a nanny and at other offices whenever I can find anything to make money to pay off this expense. I did not want to tell my parents to burden them b/c things are tight for them too. I honestly feel very stuck. I get scholarship money around 1800 but it would go to things like rides for school since I do not drive and most definitely cannot afford a car, -or other things like clothes for shidduchim since I am in the parsha. It also went towards to have some spare change here and there since it truly is embarrassing telling friends time and time again I cannot afford to do things. In the past I was told the money I do make (which was not a lot), I could set aside and use towards my medical bill. I Still owe close to 900. During the summer I had some co-pays so paying the main payment off was stagnant at times. It has been very hard. I have had friends give me maaser privately. I am embarrassed truly. To make things harder, recently, my best friend from childhood got engaged and is getting married in Israel. It was almost a non negotiable of me not going. I used all of my scholarship money to pay for this ticket bc she would have been very hurt and I genuinely felt held up in a corner. Now I am working extra hard to have spare change while there. It actually brought up a fight with her bc i was trying to book as early as I could and she was like are you not coming to which I said things are very tight. New expenses are coming up. I am also moving to NY after school since it will be better for shidduchim. I am trying to save money and be responsible. I have some savings. 1k in my main bank, I really do not want to touch it. And less than 3k in another for what I hope is all for my move since I am unsure with the work available I can have enough money for a few months rent/food while looking for work. If I use that money for this I feel I wont have a security blanket and I really wanted to not even touch those savings since I worked hard for it beforehand. Also, if I am honest, right before this huge bill came up I was about to pay off a large amount of maaser I had owed. I was slowly paying it off. And then bam. this. I still want to pay that off. So the question is this: Would it be okay to say I am raising some money for someone with a medical bill without saying it is me. It is so embarrassing. I had already accepted some money from another friend. But honestly this is all so much. I know the bill may also increase bc I have some other appointments coming up so it seems like it is never ending. What is okay to do? I feel like I am so limited. At this moment, I am so tight with things I do not even really see my friends to do things which before I would take most earnings for the bill the rest for school/miscellaneous -and I feel a bit judged. Again, I have some savings but why would I use that for silly things ? Especially if I do have extra it will go towards shidduch efforts or my upcoming move to NY or even Israel. I want to be the most honest here and the stress alone of doing the right things is a lot.

Answer

Thank you for your question.

I understand that you are asking if you may say to people that you are collecting for someone else when really it is to cover your own medical expenses. 

Hagon Harav fried shelitah says that you may do so. also, with regard to Ma'asrot you are meanwhile exempt from giving because of the financial hardship you are currently in.



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